When you’re shopping for Audi A4 insurance, it’s essential to compare insurance providers to find the one that offers the best value for your investment.
Finding a rate that suits your budget is ideal, but creating a policy with the right coverage for your vehicle is equally essential.
If you opt for an insurer with a low price over one with that has the best coverage options, you may be left paying out of pocket for costly repairs and medical expenses in the event of an accident.
Regardless of your insurance company, many factors determine its ultimate price. While your age, gender, driving record, and location are all taken into account; the make, model, and year of your vehicle have an outsized influence on the rate you pay.
To estimate the cost of your Audi A4 insurance, you need to understand how insurance companies calculate risk for your specific make and model.
How Much Does Audi A4 Insurance Cost?
According to Finder.com, on average, the cost to insure an Audi A4 is around $191 per month.
When you’re purchasing Audi A4 insurance, you likely will find both lower and higher rates. Reasons for this vary.
What Factors Affect My Audi A4 Insurance Premium?
Sometimes insurance providers have outdated information that results in these price variations, while at other times one company simply puts more emphasis on some aspects than another when calculating insurance rates.
When it comes to your vehicle, there are several factors that insurance providers consider when determining your policy premiums, and we’ve provided a breakdown below.
Safety Rating and Damage Threshold
Your vehicle’s safety rating and damage threshold have a significant effect on the rate you pay for insurance. Lower safety ratings mean higher risks for your insurance provider, which then equates to a higher insurance rate.
The Audi A4 has received fantastic safety ratings from the National Highway Traffic Safety Administration (NHSTA) and was named a Top Safety Pick for 2018 by the Insurance Institute for Highway Safety (IIHS).
These positive safety ratings essentially mean that the risk of insuring the Audi A4 is lower for the insurance provider and therefore, more likely to save you money on your insurance policy. Here’s a breakdown of recent NHSTA ratings for the Audi A4.
|Vehicle Name||Overall Rating||Frontal Crash Rating||Side Crash Rating||Rollover Rating|
|2016 Audi A4 4 DR AWD||5 out of 5 stars||4 out of 5 stars||5 out of 5 stars||5 out of 5 stars|
|2017 Audi A4 4 DR AWD||5 out of 5 stars||4 out of 5 stars||5 out of 5 stars||5 out of 5 stars|
|2018 Audi A4 4 DR AWD||5 out of 5 stars||4 out of 5 stars||5 out of 5 stars||5 out of 5 stars|
Comprehensive & Collision Coverage
Another primary consideration that influences your insurance provider’s insurance rates, particularly for comprehensive and collision coverage, is the overall cash value of your vehicle. A higher value means a higher risk for your insurance provider and therefore, a higher rate for you. Your vehicle’s cash value depends on its make, model, year, and condition.
Kelley Blue Book keeps an up-to-date database of cash values for most cars based on ZIP code. The following examples are calculated on vehicles in good shape in ZIP code 90055 in Los Angeles, California.
The Fair Purchase Price is based on Kelley Blue Book values, while the Out-the-door Target Price includes extra taxes and fees required to complete the purchase of the vehicle.
|Vehicle Name||Fair Purchase Price||Out-the-door Target Price|
|2016 Audi A4||$23,598||$26,473|
|2017 Audi A4||$28,307||$31,664|
|2018 Audi A4||$31,321||$34,987|
Claims Frequency & Potential to Cause Damage
Audi A4 insurance premiums are also based on how frequently Audi owners file insurance claims. Insurers consider the car’s potential to cause damage to other vehicles, property, and drivers, and passengers in the event of an accident. The IIHS collects this data and rates vehicles in insurance loss categories.
The Audi A4 is rated “Substantially Better than Average” in most of these categories, which usually results in lower insurance premiums.
If you’re driving a vehicle with the latest safety features, you may qualify for discounted rates from your insurance provider.
The latest Audi A4 comes with plenty of safety features, including:
- Stability Control
- Anti-Lock Brakes
- Front, Side, Overhead, and Knee Airbags
- Anti-Whiplash Head Restraints
- Advanced Security System
The likelihood of your particular vehicle being stolen is taken into account when calculating your insurance premium. The National Insurance Crime Bureau (NICB) details theft rates each year for specific cars and publishes an annual report on the most frequently stolen vehicle makes and models. The Audi A4 does not appear on this report, and therefore, theft should not affect the price of insurance. However, companies may offer discounts for anti-theft devices and alarms.
What are the Best Companies for Audi A4 Insurance?
It’s essential to research more than one company when shopping for Audi A4 insurance, ideally 3-4. The best first step is deciding how much coverage you need and then obtaining quotes for comparison purposes.
Also, make sure the insurance provider you’re considering is licensed and able to fund your claims in the event of an accident.
Some of the best questions to ask when speaking with representatives of potential insurance providers include:
- Is there a discount offered for good driving or drivers with low mileage?
- Does my policy cover other drivers?
- Will my policy include theft coverage, accident coverage, and environmental damage?
- Does my policy continue to cover me if I travel outside the country?
What you need to Know About Audi A4
In recent years, the Audi A4 has become known for its advanced safety features that integrate new technologies each year.
Its exemplary safety ratings, combined with its spacious interior make this four-door, luxury sedan an ideal choice for families. Audi is a German auto manufacturer and part of the Volkswagen group.
Now that you understand how insurance companies calculate risk and determine the price of insurance policies, you should feel confident in your ability to obtain the best rate and policy for your Audi A4.
*While we make every effort to keep our site updated, please be aware that “timely” information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.